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Do you need a renovation loan for home improvements?

GET A QUOTE

Won't affect your credit score.

Renovation loans

Borrow up to

$100

K

Interest rates from²

7.99

%
p.a.

Review & Rating
CANSTAR 2015-2024 Outstanding Value - Personal Loan
MoneyHub Favourite Online Lender 2025
Canstar's most awarded Personal Loan (Ever!)

Planning a new kitchen or living room?

Our easy online renovation loan can help you get started—fast, simple, and stress-free.

Keep your equity in your home

Keep your equity in your home

By opting for a personal loan from Harmoney, you retain the equity in your home, ensuring your loan-to-value ratio (LVR) stake remains intact. Plus; Harmoney doesn’t require security on our unsecured personal loans, unlike a mortgage.

Lighting fast money in minutes

Lighting fast money in minutes

Our 100% online quote engine is super quick compared to mortgage redraws, allowing you to access funds for time-sensitive home improvement projects. Plus, getting a quote won’t impact your credit score.

Hassle Free and No Paperwork (ever!)

Hassle Free and No Paperwork (ever!)

Harmoney doesn’t require paperwork, especially quotes from the builder. Skip the hassle of providing tradesman quotes to your mortgage provider and start accessing funds fast to start living in the home you dream.

Flexible repayment schedules

Flexible repayment schedules

We offer flexible repayment terms, tailored to your specific home improvement needs, without affecting your mortgage terms. Choose weekly, fortnightly or monthly repayments that fit your life

Competitive rates

Competitive rates

Redrawing from your mortgage may incur additional fees or higher interest rates, whereas Harmoney offers a competitive fixed interest rate for the life of the loan.

What we offer

  • Loan amount

    $2,000 - $100,000

  • Interest rate from²

    7.99% - 24.99% p.a.²

  • Establishment fee

    $150

  • Repayment frequency

    Weekly, fortnightly, or monthly

  • Loan type

    Unsecured

  • Loan terms

    3, 5 or 7 years¹

  • Early repayment fee

    $0

  • Rate type

    Fixed rate

  • Lightning FAST funding

    Typically less than 5 minutes

  • Get your money fast

    No queues and no need for awkward face to face meetings.

Loan Amount

You can apply to borrow $2000 - $100000

Loan Term

Credit history

Your repayment estimate

$0.00

Weekly repayment

Estimate includes establishment fee of $150.00

GET A QUOTE

Won't affect your credit score.

100% online

Our AI-driven quote process is 100% online.

No paperwork, no queues and no need for awkward face-to-face meetings.

Super fast

Simply tell us about yourself and your finances and accept the terms to get funded in minutes

Rates tailored to you

Interest rates are based on your individual credit assessment - not one-size-fits-all.

How to apply

01

Get to know you

Tell us about the personal loan you want, then provide us with some details about yourself and your finances.

02

Get your quote

We’ll give you a detailed quote with your interest rate, borrowing limit and repayments.

03

Get your money

After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance.

GET A QUOTE

Won't affect your credit score.

Lightning FAST ⚡

Instant quotes, zero paperwork

Our AI-driven quote process is 100% online and paperwork-free. Get answers in seconds, so you can keep moving forward.

$2,000 to $100,000

Our unique AI will assess your needs and finances to offer you an affordable personal loan that suits your lifestyle.

Personalised for you in a flash

Our smart technology tailors your quote instantly – just answer a few questions, and let AI do the rest.

Lightning fast approvals

Get a quick quote in minutes and in most cases loans are funded in less than 5 minutes. It’s that easy!

4.8

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37,009 Reviews

4.7

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2,577 Reviews

4.7

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172 Reviews

Eligibility Criteria

To get a quote in New Zealand;

You must be 18 years or older.

You must be a New Zealand citizen, Permanent Resident or Australian citizen.

Your credit file must not have any defaults, judgments or bankruptcies.

You must have paid employment (which may include self-employment).

You need to borrow at least $2,000 with your loan.

You need to have photo identification documents such as your valid Australian passport or driver’s to licence, to hand.

If you are not eligible now, you may be in the future.

Harmoney
  • PERSONAL LOANS
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Harmoney Services Limited (FSP593769) is registered under the Financial Service Providers (Registration and Dispute Resolution) Act 2008.

 

By using this website, you are deemed to accept our Customer Service Terms.  

Location
 

Level 3, 110 Customs Street West, Auckland CBD, Auckland 1010

 
Contact

customerservice@harmoney.co.nz

0800 427 666 (0800 HARMONEY)

Terms and conditions

 

1. Loan terms subject to availability.

 

Subject to approval. Harmoney’s interest rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.

 

2. You are protected by responsible lending laws. Because of these protections, the recommendations given to you about personal loans are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.


Copyright © 2025. All rights reserved.

 

This website is provided for general information purposes only, and does not take your individual circumstances and financial situation into account. It is not intended to constitute legal or financial advice.